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Life Insurance Solutions
At its basic level, life insurance provides the necessary financial support to a family or business after the insured has died. Beyond that, life insurance is a multi-faceted tool, which can accomplish complex financial strategies. We have funding solutions for: |
KEY PERSON COVERAGE |
ESTATE LIABILITIES |
BUY OUT AND SUCCESSION PLANS |
Most companies, especially small businesses, are successful because of the people who run them. Whether it's the owner or someone who has a high level of skill and expertise, the death of that person could cause that company to go out of business. Key-person insurance policies are often used to replace financially the loss of a key person to the business, and it could fund the costs of recruiting a replacement. |
The traditional solution life insurance provides is to provide your loved ones with security, if you are no longer able. Liquidity and conservation are 2 more purposes. An Irrevocable Trust or adult children can be “third party” owners of life insurance. Proceeds structured in these ways can avoid all Federal Income & Estate Taxation. Also, life insurance can provide for a special needs dependent or large debt. |
With a funded buy-sell agreement, the life insurance proceeds facilitate the sale of a deceased shareholder portion to the surviving partners. This way, original partners, not the deceased shareholder’s heirs, hold future ownership and control of the business. |
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